We offer an ISA which is technically a stocks and shares ISA but it gives you the option to hold your money in cash or invest, all within the same ISA. You don't need separate cash ISAs and stocks and shares ISAs.
If you choose to hold your money in cash, there is no risk to your capital. If you choose to invest, your investment value can go down as well as up and you might get less than you put in. If you're not sure if investing is right for you our risk explorer might be able to help.
If you're investing for more than 5 years and can take a bit of risk with your money then investing is likely to be better for you. If you're investing for less than 5 years or can't afford to take any risk with your money then you're probably better off in cash.